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Karur Vysya Bank Q2 FY27 Share Price & Earnings Call Analysis

₹356.10+0.45% today
Market cap
₹34,419 Cr
P/E
11.63
ROE
19.10%
PEG
0.36
Price to sales
2.87
Debt to equity
8.47
52W high / low
₹370 / ₹241
Sales growth (5Y)
15.15%
EBITDA margin
70.12%
Net profit margin
22.45%
Promoter holding
1.95%
Sales (last year)
₹11,983 Cr

Guidance scorecard · Q2 FY27 call

What Karur Vysya Bank's management guided
and where it ranks in Banks

Revenue10–20%MarginsFlatCapexNone plannedFundraisingNone plannedOrder bookWhat management said

RevenueQ2 FY27 call

10–20%
  • The bank targets calibrated credit growth of 18% to 20% for financial year 2026-27.
  • Cautious approach amid industry spurt.
  • Growth focus on granular, prudent lending with operational efficiency and disciplined risk management.
  • Mortgages and jewel loans prioritized over corporate loans for tactical deployment of funds, though corporate loan growth is healthy.
  • Retail advances growth driven by mortgages (12% QoQ) and personal loans (11% QoQ).
  • Corporate and institutional loan portfolio grew 12% in the quarter with credit demand from EPC, infrastructure, real estate, textiles, NBFCs.
  • Branch expansion planned with 50 new branches this financial year to support growth.

2 more points from Karur Vysya Bank's call on revenue

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Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

See what Karur Vysya Bank said on margins — free account, 30 seconds.

Full Q2 FY27 analysis

CapexQ2 FY27 call

None planned
  • Currently, there is limited capex and working capital utilization as customers, especially in textile, are in a wait-and-watch mode due to external uncertainties like U.S. tariffs and FTAs.
  • Customers are cautious, postponing modernization and capex investments; textile clients are managing portfolios carefully without major capex.
  • Corporate and SME loan demand shows more takeover and working capital drawdowns than genuine capex-led expansion.
  • Branch expansion plans include opening 50 new branches, focusing on liability business potential areas within South India and states like Maharashtra and Gujarat before moving to central, northern, and eastern regions. This aligns more with network growth…
Full Q2 FY27 analysis

FundraisingQ2 FY27 call

None planned

See what Karur Vysya Bank said on fundraising — free account, 30 seconds.

Full Q2 FY27 analysis

Order bookQ2 FY27 call

  • The discussion primarily focuses on the bank's financial performance, asset quality, yield management, loan portfolios, and competitive pressures, without reference to order books or pending orders.
Full Q2 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. RBL BankGood growth
    3
See all potential multibaggersWhere does Karur Vysya Bank rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3RBL Bank20–40%Flat₹58,716 Cr49.8
420–40%Flat₹13,576 Cr9.4
520–40%Flat₹6,759 Cr8.6
620–40%Flat₹5,337 Cr8.0

Sign up free to see every company in the sector ranking and track Karur Vysya Bank.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of Karur Vysya Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Karur Vysya Bank

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +2.22%2.20%2.15%2.13%2.13%2.11%2.10%2.10%2.07%2.07%2.07%1.95%
FIIs +15.61%15.38%15.11%15.10%14.80%15.12%15.41%15.81%16.87%19.25%17.92%18.10%
DIIs +35.16%36.22%35.68%37.01%38.47%38.87%39.47%39.97%40.20%39.26%41.22%42.10%
Government +0.02%0.02%0.00%0.00%0.00%0.02%0.02%0.01%0.02%0.02%0.01%0.00%
Public +47.00%46.19%47.07%45.76%44.60%43.88%43.00%42.11%40.84%39.40%38.78%37.85%
No. of Shareholders2,32,0522,45,9532,58,9642,57,3002,60,3872,60,9492,52,9572,64,7842,67,1742,72,7262,75,9082,77,239

Financials of Karur Vysya Bank

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +1,9972,1392,1872,2852,3872,4892,5162,5692,8082,7942,9043,0493,235
Interest1,0821,1381,1891,2601,3241,4071,4271,4891,5471,5551,5451,6271,738
Expenses +7438331,0518008968789258391,030848985859889
Financing Profit173168-53225167203164240231392373564609
Financing Margin %9%8%-2%10%7%8%7%9%8%14%13%18%19%
Other Income +339358626388469465509447512509616442435
Depreciation0000000000000
Profit before tax5125265746136366686746877439019891,0051,044
Tax %26%22%20%25%26%26%24%24%23%23%27%25%25%
Net Profit +378412456459474496513521574690725756788
EPS in Rs3.934.274.734.754.905.145.315.405.947.147.507.828.15
Gross NPA %1.73%1.58%1.40%1.32%1.10%0.83%0.76%0.66%0.76%0.71%0.75%0.74%0.69%
Net NPA %0.47%0.42%0.40%0.38%0.28%0.20%0.20%0.19%0.19%0.19%0.19%0.19%0.18%

Financials of Karur Vysya Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +5,3965,4435,6225,7005,8165,9905,4705,5886,5178,2139,67811,07411,983
Interest3,9303,6623,5493,4023,4533,6423,1112,8723,1684,3955,4186,1366,465
Expenses +1,5031,4941,8872,6092,9023,1122,6202,4342,9653,2673,3853,5763,581
Financing Profit-37288187-311-539-764-2602813845518751,3631,937
Financing Margin %-1%5%3%-5%-9%-13%-5%5%6%7%9%12%16%
Other Income +5907077829009631,1559197691,1591,6491,8302,0842,001
Depreciation818386851011191241191061001141270
Profit before tax4719128835043222725349311,4372,1002,5913,3203,939
Tax %2%38%31%31%35%14%33%28%23%24%25%24%
Net Profit +4645686063462112353596731,1061,6051,9422,5102,958
EPS in Rs4.956.056.463.602.202.453.757.0111.4916.6320.1025.9730.61
Dividend Payout %34%30%26%13%23%0%11%19%14%12%11%10%

Financials of Karur Vysya Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital122122122145160160160160160161161193193
Reserves4,1244,4514,9146,1196,2636,4406,8007,4368,4249,87911,76913,91515,200
Deposits44,84050,07953,70056,89059,86859,07563,27868,48676,63889,113102,078115,666128,123
Borrowing2,7512,8941,6962,3941,5651,1842,5281,3391,4322,4781,2172,6232,321
Other Liabilities +1,3151,4391,3761,3931,4841,4191,8572,6503,5263,8224,1434,2074,994
Total Liabilities53,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367136,603150,831
Fixed Assets +395417411475545563518464418412451455513
CWIP17485338232115172039470
Investments12,37514,44314,85715,80314,88215,76216,01917,21618,80822,34423,83129,02027,731
Other Assets +40,36644,12246,53250,61053,87651,92958,06562,37770,93682,67795,046107,082122,587
Total Assets53,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367136,603150,831

Financials of Karur Vysya Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-3095801,611-550-1,5762,5043,3662951,2172,9544,487-554
Cash from Investing Activity +-102-92-84-170549-1,535-1,379-1,594-1,270-1,296-2,151-1,745
Cash from Financing Activity +482-346-74683414-274-59-96-178-694-188-205
Net Cash Flow711431,453-36-6126961,928-1,394-2319632,148-2,504
Free Cash Flow-4114881,527-744-1,7302,3693,2892381,1562,8644,319-683

Financials of Karur Vysya Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %12%13%13%6%3%4%5%9%14%17%18%19%

Guidance history

How Karur Vysya Bank's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →10–20%FlatNone plannedNone planned—
Q1 FY27 call →10–20%FlatPlanned——
Q4 FY26 call →10–20%Down 0–2%PlannedNone planned—
Q3 FY26 call →10–20%Flat——Flat

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

79out of 100

Momentum score · price trend

79 out of 100 — Strengthening

Over the past year its share price has done better than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months+45.3%84%
Last 6 months+21.3%76%
Last 3 months+4.0%74%
How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Karur Vysya Bank: 0.4 × 84 + 0.4 × 76 + 0.2 × 74 = 79.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Karur Vysya Bank's management said in earlier quarters

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